Our Accounts
We don’t just help one kind of person. Or one kind of business. Or one kind of nonprofit, family, or trustee. We have a variety of plans for many different investors or traders, and we may just have an account for you.
Our Accounts
Trade, invest, or save for you future with the most popular accounts from the #1 Online Broker and Trading Platform overall in Kiplinger's Best Online Brokers of 2022.
Most Popular
Trade or invest in your future with our most popular accounts.
Brokerage account
Investing and trading account
Buy and sell stocks, ETFs, mutual funds, options, bonds, and more.
Core Portfolios
Automated investment management
Get a diversified portfolio that’s monitored and managed for a low annual advisory fee of 0.30% and $500 minimum.4
Premium Savings Account
Boost your savings with 4.25% APY5
With rates 10X the national average6, plus FDIC protection up to $500,0007, and more.
Traditional IRA
Tax-deductible retirement contributions
Earnings potentially grow tax-deferred until you withdraw them in retirement.
Roth IRA1
Tax-free growth potential retirement investing
Pay no income taxes or tax penalties on qualified distributions if you meet certain requirements.
Rollover IRA
Take control of an old 401(k)
Consolidate assets from a former employer’s retirement plan.
Brokerage
Build your portfolio, with full access to our tools and info.
Brokerage account
Investing and trading account
Buy and sell stocks, ETFs, mutual funds, options, bonds, and more.
Coverdell ESA
Save for a child’s education
Tax-free withdrawals for qualified educational expenses, such as tuition and books.
Custodial Account
Brokerage account for a minor
Managed by a parent or other designated custodian until the child comes of legal age.
Retirement
Invest in the future, with retirement accounts from E*TRADE Securities.
Whether you are exploring a Roth or Traditional IRA, or are considering what to do with a 401(k) from a former employer, you’ve got choices.
Rollover IRA
Take control of an old 401(k)
Consolidate assets from a former employer’s retirement plan.
Roth IRA1
Tax-free growth potential retirement investing
Pay no income taxes or tax penalties on qualified distributions if you meet certain requirements.
Traditional IRA
Tax-deductible retirement contributions
Earnings potentially grow tax-deferred until you withdraw them in retirement.
Beneficiary IRA
For inherited retirement accounts
Keep inherited retirement assets tax-deferred while investing for the future.
E*TRADE CompleteTM IRA
For retirement investors over age 59½
Upgrade your account for flexible access to cash with free checking, online bill pay, and ATM/debit cards.2,3
IRA for Minors
For children with earned income
A retirement account managed by an adult for the benefit of a minor under age 18.
Managed Portfolios
E*TRADE Capital Management offers a range of portfolios to help meet your needs - choose from our fully managed accounts or our automated investment portfolios.
Core Portfolios
Automated investment management
Get a diversified portfolio that’s monitored and managed for a low annual advisory fee of 0.30% and $500 minimum.
Small business retirement
Offer retirement benefits to employees. Use the Small Business Selector to find a plan.
Retirement plans offered by E*TRADE Securities.
Individual and Roth Individual 401(k)
Retirement plan for the self-employed
High contribution limits and simple administration for business owners and their spouses.
SIMPLE IRA
For businesses with fewer than 100 employees
Easy, inexpensive retirement plan with deductible employer and employee contributions.
SEP IRA
For the self-employed and small businesses
Flexible annual contributions from 0% to 25% of earned income.
Investment-Only Account
For businesses with existing retirement plans
Expand the range of available investment options without changing plan custodians.
Morgan Stanley Private Bank
FDIC insurance and free transfers.
Learn more about Morgan Stanley Private Bank accounts.
Premium Savings Account
Boost your savings with 4.25% APY5
With rates 10X the national average6, plus FDIC protection up to $500,0007, and more.
Max-Rate Checking
Competitive yields and free features
Free Transfer Money service, online bill pay, and unlimited ATM fee refunds nationwide.
Checking
Basic checking with no monthly fees
Free initial checks, online bill pay, and ATM/debit card.
Line of Credit
Borrow against your investments
Access cash for personal or business needs without disturbing your investment plans.
Home Loans
Purchase or refinance a home
Competitive rates on mortgages with dedicated support and secure online tools.
Account FAQs
How do I open an account?
Online
- Choose the type of account you want. Then complete our E*TRADE from Morgan Stanley brokerage or Morgan Stanley Private Bank online application.
- For bank and brokerage accounts, you can either fund your account instantly online or mail in your direct deposit.
By Phone
Call 800-387-2331
By Mail
- Download an application and then print it out.
- Complete and sign the application.
- Send the application with a check made payable to E*TRADE from Morgan Stanley or Morgan Stanley Private Bank (depending on the type of account you're opening) to the appropriate address.
How do I check on the status of an application?
Simply call us at 800-387-2331.
When can I start trading after I open an account?
You can start trading within your brokerage or IRA account after you have funded your account and those funds have cleared.
Go now to fund your account.
Can I roll over my 401(k) to E*TRADE from Morgan Stanley?
Yes, you can roll over your 401(k) or other employer-sponsored plan to an E*TRADE IRA.
Learn about 4 options for rolling over your old employer plan.
How do I fund an account?
Choose the method that works best for you:
- Transfer money electronically: Use our Transfer Money service to transfer within 3 business days.
- By check: You can easily deposit many types of checks.
- By wire transfer: Wire transfers are fast and secure.
- Transfer an account: Move an account from another firm.
Go now to fund your account.